Comprehensive car insurance, what’s the story?
There are quite a few things in a car’s life that could go wrong, and comprehensive car insurance is the only insurance that could make it right again.
You’ll get absolute peace of mind knowing your car is protected with the best level of cover, whether it’s moving or parked.
Depending on your chosen insurer, what’s covered may differ. At Transatlantic, we strive to give you the best cover for your car at the most competitive prices.
The difference between comprehensive car insurance and other insurance types:
A critical difference between comprehensive insurance and other limited cover is a limited cover only considers damage to other vehicles when you were at fault. Which leads to damage costs to your car will be left for you to pay. There is a better way. Comprehensive cover will include damage to your vehicle.
What is typically covered by comprehensive car insurance?
As a start, comprehensive car insurance includes fire damage, theft (or hijacking), and third party cover if another driver makes a claim against you (and it was your fault). Claiming for these events, the insurer will repair your car or provide market value compensation or your car’s insured sum (depending on the final cost, minus excess remaining)—higher excess results in a reduction of your monthly premium.
What is typically excluded from comprehensive car insurance?
Comprehensive car insurance can protect you from the majority of accidents. Maintenance of your car and its servicing is not included, neither is mechanical breakdowns or wear and tear. With Transatlantic, we won’t leave you stranded when luck turns down; that’s why we included unlimited car hire when your beloved car is in the shop. We’ll also provide a free shuttle service from where your car got stranded to a safe location.
What about theft or write-offs?
If your car is stolen or is beyond economical repair, it’s considered by the industry as a “total loss”. If you were insured below market value, your payout might not be enough for an equivalent model and make.
Transatlantic has gone above and beyond to provide a guaranteed value option, which will remove uncertainty. It allows you to know exactly what amount will be paid in the event of a write-off or theft.
Transatlantic comprehensive car insurance includes even more benefits:
- A complimentary SOS service, for roadside assistance, Uber and home repairs incase of an emergency.
- Legal advice at zero cost for phone calls.
- Cover for any key, locks or remotes that need to be replaced.
- Tracker recovery costs when your car is found after being stolen.
- Accommodation in case of an emergency.
- Medical expense cover for family passengers.
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